Build on your home's possibilities - Promotions

Build on your home's possibilities

Explore our Home Refinancing Loan and Home Equity Loan solutions. Enjoy an effective interest rate from 3.7% p.a., 5% subsidy up to BND25,000, and zero processing fee when you apply by 30 December 2026.

Your home is more than a place to live. It could also help you achieve your financial goals.

Whether you're looking to lower your monthly repayments, fund your children's education, renovate your home, or support future plans, we offer solutions that give you greater financial flexibility.

Find the right solution for your needs

Apply by 30 December 2026 and enjoy:

Visit our Home Loan Centre today.

Speak to our mortgage specialists and discover how refinancing or equity financing could help you achieve your goals with greater confidence.

Know your borrowing power with our Loan Calculator

Calculate now

Terms & Conditions
Build on your home’s possibilities Terms and conditions

1. Term

1.1. “Build on your home’s possibilities” (the “Promotion”) is organised by Baiduri Bank Sendirian Berhad (the “Bank”) and is subject to the following terms and conditions (the “Terms”).

1.2 Participation in this Promotion constitutes acceptance of these Terms.

2. Promotion Period

2.1 2.1 The promotion is valid from 21 September 2026 to 30 December 2026 (both dates inclusive), or such other period as the Bank may determine at its discretion (the “Promotion Period”).

3. Eligibility

3.1 The Promotion is open to new and existing individual customers who are Brunei citizens or Permanent Residents of Brunei Darussalam.

3.2 Applicants must assign their salary, directorship fees or partnership income to the Bank for the duration of the financing facility, unless otherwise approved by the Bank.

3.3 Notwithstanding Clause 3.2, salary assignment is not required for applicants employed by the Government of Brunei Darussalam, Government-Linked Companies, or semi-government entities.

3.4 All applicants under the Promotion remain subject to the Bank’s prevailing eligibility requirements, credit assessment criteria, approval processes, and financing terms and conditions.

3.5 Employees of the Bank, Baiduri Finance Berhad and Baiduri Capital Sendirian Berhad are eligible to participate in the promotion.

4. Promotion Mechanics

4.1 The Promotion is available to customers who apply for either a Home Refinancing Loan or Home Equity Loan during the Promotion Period, and whose application is subsequently approved.

4.2 Subject to approval, eligible applicants approved under the Promotion shall receive the following promotional benefits:
Promotional Effective Interest Rate (“EIR”)¹
PLR² - 1.8% = (currently 3.7% p.a.)¹
Subsidy
Up to 5% of approved financing amount, capped at BND 25,000
Financing for associated costs (optional add-on)
Financing is based on the Open Market Value (“OMV”) determined by the Bank’s appointed valuer and is subject to the maximum eligible Loan-to-Value (LTV) ratio.
Processing fee waiver
A full waiver of the BND250 processing fee.

4.2 Home Financing (Solar Panel Add-On)

4.2.1 Eligible Applicants under Clause 3.2 may opt to include solar panel installation costs as part of their home financing.

4.2.2 The solar panel financing amount may be up to 5% of the property’s Open Market Value (OMV).

4.2.3 The solar panel add-on is only available if:

(a) Solar panels are purchased for a minimum of BND 5,000; and
(b) The purchase is made from registered merchants recognised by the PMO.

4.2.4 Except for the inclusion of the solar panel add-on, all other loan terms shall follow the Bank’s applicable home financing terms or any relevant campaign terms.

5. General

5.1 The Promotion is governed by the Bank’s standard terms and conditions governing the related products and any other documents forming part of the banking agreement.

5.2 The Bank reserves the right to suspend, cancel, or amend this Promotion, or any its Terms for valid reasons, with or without notice where reasonably practicable.

5.3 The Promotion cannot be combined with other offers, privileges, or promotions, unless explicitly stated otherwise.

5.4 The Bank reserves the right to determine at its discretion all matters arising out of or in connection with the Promotion. The Bank’s determination of all matters relating to the promotion shall be final and conclusive.

5.5 The Bank makes no warranty or representation, whether express or implied, in relation to the quality, condition, merchantability or fitness for purpose of any solar panels or related products provided under this Promotion. Any disputes or claim in relation to the solar panels shall be resolved by the relevant supplier, installer, or manufacturer, and the Bank shall not be liable for any loss, damages or injury arising from the use of the solar panels.

5.6 By participating in the Promotion, Eligible Applicants consent to the collection, use, and disclosure of their personal data for purposes related to the administration of the Promotion, in accordance with the Group Privacy Notice. Eligible Applicants confirm that they have read and agree to be bound by the terms of the Group Privacy Notice, as may be amended, supplemented and/or substituted by the Bank from time to time. A copy of the Group Privacy Notice can be found at www.baiduri.com.

5.7 In the event of any inconsistency between these Terms and any promotional material, these Terms shall prevail.

5.8 These Terms shall be governed by and construed in accordance with the laws of Brunei Darussalam.

Please select one of the below

Click here to login

Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:

User’s full name
User’s valid Identification Card (IC) or Passport
User’s mobile number
User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

Stay informed - subscribe to receive Baiduri Bank newsletters, product and service information, and exclusive promotions.